AI HOA Assistant for Massachusetts Condo & HOA Managers
The AI assistant pre-loaded with the Massachusetts Condominium Act (MGL Ch. 183A) and Massachusetts Homeowners Association statutes. Instant, citation-grade answers for Boston area condo trusts and HOA communities across the Commonwealth — free 14-day trial.
Massachusetts HOA & condo market at a glance
7M
residents in the state of Massachusetts
~5,900
HOA and condo associations statewide
720K
homes in Massachusetts HOA communities
$300–$700
typical monthly HOA fee in Massachusetts
Massachusetts has one of the densest concentrations of condominium communities in the Northeast, driven by Boston's urban core and the surrounding Greater Boston metro area. The state's legal framework — anchored by MGL Ch. 183A and complementary HOA statutes — places significant obligations on association trustees and managers. IgeraFincas puts the full text of Massachusetts law at your fingertips, applied automatically to every homeowner query.
Massachusetts Condominium Act & HOA law — plain English
MGL Ch. 183A and Massachusetts HOA statutes — what every manager must know
Massachusetts Condominium Act — Core Framework
Chapter 183A is the primary statute governing condominiums in Massachusetts. It establishes the master deed requirement (§8), the organization of unit owners (§10), common area maintenance obligations, and the financial structure of condominium trusts. Every Massachusetts condominium must be created by recording a master deed with the Registry of Deeds, which defines unit boundaries, percentage beneficial interests, and the rights of the organization.
Super-Priority Lien for Unpaid Assessments
Massachusetts grants condominium associations a statutory super-priority lien under MGL Ch. 183A §6. This lien covers up to six months of unpaid common expenses and takes priority over a first mortgage lender — a significant collection tool for Massachusetts trustees. Associations may foreclose this lien through the Land Court or initiate summary process in District Court for smaller balances.
Unit Owner Meetings, Voting & Trustee Elections
Section 10 governs the organization of unit owners and trustee obligations. Annual meetings must be held, with quorum defined in the condominium documents. Amendments to the master deed typically require 75% of beneficial interest. Trustees have fiduciary duties to the unit owners and must maintain proper records, conduct transparent budgeting, and provide access to financial statements upon owner request.
Massachusetts Homeowners Association Statutes
Planned community HOAs in Massachusetts (outside the Ch. 183A condo framework) are governed by their recorded declaration and bylaws, supplemented by Massachusetts contract and trust law. Key compliance areas include: assessment collection procedures, architectural control enforcement, dispute resolution under the governing documents, and the Massachusetts Consumer Protection Act (MGL Ch. 93A) as it may apply to management company practices.
Fair Housing Act & ADA — Federal Overlay in Massachusetts
Federal law applies to all Massachusetts condominiums and HOAs regardless of MGL Ch. 183A requirements. The Fair Housing Act (42 U.S.C. §§ 3601–3619) mandates reasonable accommodations for residents with disabilities and prohibits discriminatory enforcement of rules and covenants. ADA accessibility standards apply to common areas in certain multi-family developments. Massachusetts also has its own anti-discrimination statute (MGL Ch. 151B) which provides additional protections beyond federal law.
The three biggest pain points for Massachusetts HOA managers
Specific to the Massachusetts market, MGL Ch. 183A, and Greater Boston condo culture
Super-priority lien enforcement complexity
Massachusetts's super-priority lien under MGL Ch. 183A §6 is a powerful collection tool but requires precise procedural compliance. Trustees regularly receive homeowner disputes about lien notices, the six-month calculation window, and enforcement timelines. A single procedural error can invalidate the priority status — yet management staff rarely have the statute memorized. IgeraFincas answers these questions instantly with section citations.
Boston condo conversion & short-term rental disputes
Greater Boston's hot real estate market has driven a surge in condo conversions and Airbnb listings in older multi-family buildings. Trustees face constant questions about whether unit owners can short-term rent, what the 2019 Massachusetts short-term rental law (MGL Ch. 64G) requires, and whether existing condo documents prohibit transient occupancy. Each building has different language; IgeraFincas reads your master deed and answers accordingly.
Reserve fund adequacy & FNMA lending eligibility
Post-Surfside, Fannie Mae and Freddie Mac tightened condo lending standards nationally. Massachusetts condominium associations are frequently asked by unit owners why buyers cannot obtain conventional financing — often due to reserve fund shortfalls, delinquency rates above FNMA thresholds, or deferred maintenance issues. IgeraFincas explains the FNMA Selling Guide B4-2.1 criteria and how your association's financials affect unit resale eligibility.
How IgeraFincas works for Massachusetts management companies
Upload your governing documents
Master deed, declaration of trust, bylaws, rules and regulations, reserve study, and meeting minutes. IgeraFincas processes them securely in under 48 hours for Massachusetts communities of any size, from 6-unit South End brownstones to 300-unit suburban complexes.
MGL Ch. 183A applied automatically
IgeraFincas is pre-loaded with the Massachusetts Condominium Act and MA HOA statutes. When a unit owner in Cambridge asks about trustee elections, the answer cites the relevant MGL section alongside your declaration of trust — no manual lookup required.
Unit owners get instant, cited answers
Via web widget or WhatsApp, 24/7. Answers cite the exact master deed section or MGL Ch. 183A article — never generic advice, always verifiable Massachusetts law and your actual governing documents. Complex disputes are flagged to your team with full context.
Beacon Hill Condo Trust
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I have unpaid fees from 3 months ago. Can you put a lien on my unit?
Yes. Under MGL Ch. 183A §6, the condominium trust has a statutory lien on your unit for all unpaid common expenses. This lien has super-priority status over your mortgage for up to 6 months of unpaid common charges. The trust must provide written notice before initiating enforcement proceedings.
Sources: MGL Ch. 183A §6 · Declaration of Trust §12.3
Customer testimonial
“We manage 47 condominium trusts across Greater Boston and the North Shore. Before IgeraFincas, our team was spending two hours a day answering the same questions about assessments, meeting notices, and what the master deed actually says. Now unit owners get answers in seconds with the MGL Ch. 183A section cited right there. Our trustees love it — it's like having a Massachusetts condo attorney on call around the clock.”
Simple, transparent pricing
All plans include MGL Ch. 183A pre-loaded and a free 14-day trial. No credit card required.
Starter
For small Massachusetts condo associations with up to 15 communities.
$99
/month
- ✓Up to 15 communities
- ✓MGL Ch. 183A pre-loaded
- ✓Web widget for unit owners
- ✓Email support
- ✓500 AI queries/month
Professional
For growing Massachusetts management companies with 15–50 communities.
$199
/month
- ✓Up to 50 communities
- ✓MGL Ch. 183A + MA HOA statutes
- ✓Web widget + WhatsApp integration
- ✓Analytics dashboard
- ✓2,500 AI queries/month
- ✓Priority email support
Enterprise
For large Massachusetts management firms with 50+ communities or multi-state portfolios.
$399
/month
- ✓Unlimited communities
- ✓All US state HOA laws included
- ✓Web widget + WhatsApp + API access
- ✓Advanced analytics & gap detection
- ✓Unlimited AI queries
- ✓Dedicated onboarding & phone support
- ✓Custom SLA
Frequently asked questions — Massachusetts
What does MGL Ch. 183A require for Massachusetts condominium associations?
Massachusetts General Laws Chapter 183A governs condominium associations in the state. Key requirements include creation of a master deed (§8), establishment of a condominium trust or organization of unit owners, mandatory reserve fund maintenance, and the right of unit owners to inspect financial records. Section 10 specifies trustee obligations regarding common areas, budgeting, and annual meetings. IgeraFincas is pre-loaded with the full text of MGL Ch. 183A and can answer compliance questions with section-level citations.
Can a Massachusetts HOA foreclose on a unit for unpaid assessments under MGL Ch. 183A §6?
Yes. Under MGL Ch. 183A §6, a condominium trust has a statutory lien on each unit for unpaid common charges and assessments. This lien has super-priority status over most other encumbrances — including first mortgages — for up to six months of unpaid common expenses. Foreclosure may be pursued through the Land Court or Superior Court after proper notice procedures are followed. IgeraFincas can explain the exact process and timeline required under Massachusetts law.
What are the meeting and voting requirements for Massachusetts condo associations under MGL Ch. 183A §10?
Under MGL Ch. 183A §10, the organization of unit owners must hold annual meetings. Quorum and voting thresholds vary by action: routine matters typically require a majority of those present, while amendments to the master deed or declaration of trust generally require approval of 75% of the beneficial interest. The condominium documents may specify higher thresholds for certain decisions. IgeraFincas reads your declaration of trust and tells owners exactly what vote is needed for any action.
How does Massachusetts law address short-term rentals such as Airbnb in condos?
Massachusetts does not have a single statewide statute specifically restricting or permitting short-term rentals in condominiums. Whether an owner may list on Airbnb or VRBO depends primarily on the master deed and rules and regulations. Many Massachusetts condo declarations prohibit transient occupancy or rentals under 30 days. A 2019 state law (MGL Ch. 64G) requires short-term rental operators to register and collect occupancy taxes. IgeraFincas reads your master deed language and explains whether short-term rental is permitted for your specific community.
What rights do Massachusetts condo unit owners have to inspect association records?
Under MGL Ch. 183A §10(d), unit owners have the right to inspect and copy the financial records, meeting minutes, and governing documents of the condominium organization. The organization of unit owners must maintain accurate books and make them available upon reasonable request. Failure to provide access may be challenged through the courts or the Massachusetts Attorney General's office. IgeraFincas can explain these rights to unit owners and help trustees understand their disclosure obligations under Massachusetts law.
Start your free 14-day trial
Join Massachusetts condo managers already using IgeraFincas to answer MGL Ch. 183A questions instantly. Operational in 48 hours, no credit card required.
- Free 14-day trial — no credit card required
- Massachusetts Condominium Act MGL Ch. 183A pre-loaded
- Works via web widget and WhatsApp — no app install
- Operational for your communities in 48 hours